About the Author

Mason Butts

After graduating from UCLA with a Master's in Education, Mason spent 5 years as a science educator in a South Los Angeles public high school. He is committed to supporting the holistic growth of all students and empowering them to live a life of relational, academic, and financial success. Now settled in the Bay Area, Mason enjoys facilitating professional developments and partnering with educators as they prepare students for a bright financial future. When Mason is not building curriculum or planning a training, he can be found cycling, trying new foods, and exploring the outdoors.

Author: Mason Butts

Question of the Day: How high did the unemployment rate spike for recent college graduates during the Covid-19 pandemic?

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Jan 17, 2022
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Question of the Day, Career
Answer: 13.3% in June 2020 Unemployment rate of recent college graduates in the United States from January 2016 to September 2021 Questions: Are you surprised by this number? Why or why not? How do you think the unemployment rate of recent college graduates compares to those with no college education? Why? The pandemic affected job security for many Americans. What are some ways that you could prepare for unknown events affecting your financial wellbeing? (Good financial preparation won't...

Question of the Day: How many credit cards does the average Gen Z have?

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Jan 12, 2022
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Question of the Day, Credit Cards
Answer: 2.2 credit cards per person Questions: Do you have/plan to have a credit card before you turn 21? Why or why not? Do you think it is easier/more difficult to get a credit card when you are young? What are two major differences between a debit card and a credit card? What do you think is the ideal number of credit cards to have? Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the numbers (The...

Question of the Day: What percent of teens who have heard of NFTs (non-fungible tokens) have purchased an NFT?

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Jan 10, 2022
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Question of the Day, Investing
Answer: About 10% of those who have heard of NFTs have purchased at least one   Questions: What is an NFT? Why do you think they have become more noteworthy this year? Would you ever buy an NFT? Why or why not? What are some important things to remember when considering the value of NFTs? Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the numbers (Piper Sandler): "NFTs have burst onto the scene in the last 12...

Question of the Day: What is the deadline for filing your 2021 tax return?

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Jan 05, 2022
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Question of the Day, Taxes
Answer: April 18th, 2022 Questions: Just like schoolwork, why is it important to know the deadline to file your tax return? Can you file your tax return early? Why might you file BEFORE the deadline? Why do you think the IRS gives people a few months after the end of the tax year to file their tax return? Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the numbers (TurboTax) When are taxes due?2021 was an eventful year for...

Question of the Day: What is one of the top 3 financial resolutions for 2022?

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Jan 02, 2022
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Question of the Day, Behavioral Finance
Answer: Questions: Which resolution from the top 3 do you think is most important? Why? Have you ever thought about making a financial resolution as you start a new year? If so, what was it? Select one of the resolutions in the top 3. What are some strategies you could use to achieve that goal? Here's the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the numbers (Fidelity & CNBC): "As we await the beginning of a new year,...

Question of the Day: What credit card feature is most popular for Gen Z? Low interest rate, good rewards program or no annual fees?

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Dec 15, 2021
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Question of the Day, Credit Cards
Answer: No Annual Fees Questions: Why do you think the no annuals fees feature is most popular with Gen Z cardholders?  Do you think the most popular feature might differ for different generations? Why or why not? Which would you choose if deciding between these three features? Explain your answer.  Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the numbers (The Ascent):  "Baby Boomers and Generation Z have...

Question of the Day: What type of insurance did 63% of Gen Z say was very important? (More than any other generation)

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Dec 13, 2021
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Question of the Day, Insurance
Answer: Mobile Phone Insurance!   Questions: Why might Gen Z care about mobile phone insurance more than other generations? Do you carry mobile phone insurance? Why or why not? What are other types of insurance that you would consider important? Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the numbers (The Ascent): "63% of Generation Z cardholders say that mobile phone insurance is important, significantly more than any other...

Question of the Day: What percent of Americans under 65 years old have $0 saved for retirement?

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Dec 07, 2021
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Question of the Day, Retirement
Answer: 26% Questions: What income can seniors receive in retirement if they have no savings? What is one huge disadvantage for those who start saving/investing for retirement later in their life? Why is starting to invest for retirement as early as possible beneficial? Will this information influence how you think about saving/investing for retirement?  Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the numbers (Federal...

Question of the Day: What were the top 3 highest paying gig economy job per hour in 2020?

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Dec 06, 2021
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Question of the Day, Budgeting
Answer: Massage Therapy, Freelance, Home-cooking    Highest paying gig economy jobs in the United States in 2020, by earnings per hour Questions: Were these the Gig Economy jobs you were expecting to be the highest paying? Why or why not? What are some reasons a person might want to work in the Gig Economy? Would you ever consider working in the Gig Economy? Why or why not? Click here for the ready-to-go slides for this Question of the...

Question of the Day: How much are Americans planning to budget for winter holiday spending in 2021?

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Nov 30, 2021
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Question of the Day, Budgeting
Answer: $998 on average Questions: Will you do any shopping this December? Do you have a budget for holiday gifts this year?  Do you think it's easier to spend more online than when buying at a store? Why or why not? How can someone prepare for higher December spending throughout the year? Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the numbers (Investopedia): "Planned holiday spending breaks down to $648...

Question of the Day: How much money was donated on Giving Tuesday in 2020?

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Nov 29, 2021
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Question of the Day, Generosity
Answer: $2.47 billion Questions: Have you ever donated on Giving Tuesday? Why or why not? Why do you think Giving Tuesday has grown so much over the last 9 years? [The first Giving Tuesday raised only $10 million in 2012]. The average gift on Giving Tuesday in 2020 was $70.97. How would you categorize charitable donations into your budget? Do you think this donation record will be broken in 2021? Click here for the ready-to-go slides for this Question of the Day that...

Question of the Day: What was the average amount of student debt for 2020 college graduates?

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Nov 22, 2021
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Question of the Day, Paying for College
Answer: $29,927 Questions: Does the number “$29,927” seem like a high average amount of debt? Why or why not?  What do you predict will happen to the average amount of student loan debt taken over the next 5 years? Why? Explain how and why you are concerned about student debt. What can you do to minimize your debt when you graduate?  Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the...

Question of the Day: What is the average credit card debt held by Gen Z?

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Nov 17, 2021
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Question of the Day, Credit Cards
Answer: $2,312 Questions: Why might Gen Z have lower credit card debt than other generations? Do you think young people with credit cards expect to go into debt? Explain. Do you have a credit card? Why or why not? If so, are you able to pay off the balance every month? How can carrying credit card debt month to month negatively impact your financial health?  Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.  ...

Question of the Day: Where do most 18-24 year olds say they learn about personal finance?

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Nov 15, 2021
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Question of the Day, Behavioral Finance
Answer: 38% learned from Social Media! Questions: Have you learned any personal finance habits/tips from social media? Are there any specific lessons that stand out?  While social media is a powerful informational tool, how can you make sure the advice/information you are seeing is accurate and correct? Lots of people have opinions/attitudes/beliefs about money. How can you tell whether advice you are receiving is good advice?  Here's the ready-to-go slides for this...

Question of the Day: How much money did Americans spend on video games in 2020?

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Nov 10, 2021
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Question of the Day, Budgeting
Answer: Almost $57 Billion! Questions: Why do you think content is the biggest segment of gamer spending in 2020? What are the ways that these developers “nudge” players to spend more? Do you spend more on new games or in-app content? Why? Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.   Behind the numbers (The Verge):  "Spending on video games set a new record of $56.9 billion in 2020 in the US, according to...